商业银行 过过过.docVIP

名词解释： 1)Bank holding company（银行控股公司） A bank holding company is simply a corporation chartered for the purpose of holding the stock (equity shares)of at least one bank,often along with other businesses.（一家银行控股公司只是租用了持有至少一家银行的股票（股权），常与其他企业为目的的公司。） 2)Financial holding companies（金融控股公司） Financial holding companies are defined as a special type of holding company that may offer the broadest range of financial services,including dealing in and underwriting securities and underwriting insurance（金融控股公司被定义为一种特殊类型的控股公司可能提供最广泛的金融服务，包括交易和承销的证券和承销保险。） Unused commitments（未使用承诺） unused commitments,in which a lender receives a fee to lend up to a certain amount of money over a defined period of time ;however,these funds have not yet been transferred from lender to borrower.（未使用的承诺，其中贷款人收取一定费用，以贷款达到一定数额的钱超过规定的时间;然而，这些资金尚未转移，从贷款人借款。） Standby credit agreements（备用信贷协议） Standby credit agreements,in which a financial firm receives a fee to guarantee repayment of a loan that a customer has receives from another lender（备用信贷协议，其中金融公司收取一定费用，以保证还款的客户有来自另一个贷款人收到借款。）. Liquidity risk（流动性风险） The danger of running out of cash when cash is needed to cover deposit withdrawals and to meet credit requests from good customers.（用完现金时需要现金支付存款提取和满足优质客户的信贷要求的危险。） Interest rate risk（利率风险） The danger that revenues from earning assets will decline or that interest expenses will risk,squeezing the spread between revenues and expenses and thereby reducing net income.（危险的收入来自生息资产会下降，或者利息费用将风险，挤压的收入和支出，从而减少净利润之间的差额。） Camels rating（骆驼评级） Capital adequacy 资本充足率 earning record 盈利记录 asset quality 资产质量 liquidity position流动性状况Management quality 管理质量 sensitivity to market risk敏感的市场风险 The Cs of credit This usually involves a detailed study of the critical aspects of a loan application :character,capacity, cash collateral,control and conditions.all of the Cs of credit must be satisfactory for the loan to be a good one from the lender’s point of view.这通常涉及的贷款申请的关键方面的详细研究：性格，能力，现金抵押，控制和条件.所有的信贷Cs必须是令人满意的贷款是从看贷款人